4592 Sidesaddle Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4592 Sidesaddle Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,978 sqft · built 2024
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$443,000 (Apr 2024)
Tax Bill	$7,899 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212630364300019770`

Property Details

APN / Parcel Number

Primary APN	`212630364300019770`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,978 sqft Heated Area
Gross Area	2,508 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4592 SIDESADDLE TRL
City	SAINT CLOUD
State	FL
Zip	34772-6326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ED-4 LOT 1 REPLAT PB 33 PGS 1-5 LOT 977
Legal Lot Number	1,977
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364300019770

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4592 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 09, 2024 · Amount on Record
Deed Sale	Apr 09, 2024 · Amount on Record
Deed Document Number	2024045602
Deed Book / Page	6579 / 2779
Record Updated	Jun 08, 2026

April 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 09, 2024
Property Address	4592 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326
Document Number	0065792779
Book / Page	6579 / 2779
Map Reference	MB 33 PGS 1
Instrument Date	Apr 05, 2024
Instrument	2024045602
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,101.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 SIDESADDLE TRL, SAINT CLOUD, FL 34772-6326

Mortgage

Document Number	0065792782
Date	Apr 09, 2024
Instrument	6579/2782

Lender

Name	KINGS MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,899.00	$348,000 Land $70,000 Building $278,000	$348,000 Land $70,000 Building $278,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 136 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force 111 of 136 on primary residences
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022, other causes, Hurricane Ian
Flood Events	Hurricane Ian (Oct 2022), 2 claims

Wildfire

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	About 1 in 153 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.